"I’m a big fan of The Big Picture App."

William Bengen
Financial Advisor
Devised "4% rule"

The Big Picture tool for client education is just $30 / mo.
Check it out for free.

Brought to you by our partners at:

A new view of safe withdrawal rates

The Big Picture makes it brilliantly easy to visualize risk. Build the retirement portfolio of your choice, back-test it over hundreds of investment periods, and impress clients with personalized perspectives on questions like, "Based on history, how much can I safely spend, and at what confidence level?"

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Appeal to current and future retirees alike

The Big Picture will help you:
Attract clients through an interface that has been described as, "Fun and easy to use".
Show them the way on safe withdrawal rates, safe saving rates, asset allocation, and more.
Keep them engaged with the help of summary reports and follow-up conversations.

Age-old questions, big new answers

The Big Picture offers a sweeping view of market history. With the app in hand you'll be better equipped to engage clients, set expectations, and increase product awareness. In turn, you'll see greater success in attracting and retaining assets.

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"Besides illustrating very quickly the effect of assumption changes on withdrawal rates, it’s a lot of fun to use. I wish I’d had access to it in the early 1990’s, when I began my research on the so-called ‘4% rule.’"

William P. Bengen

Financial Advisor

"I can picture a time when most financial planners routinely use the Big Picture App to explore portfolio choices with their clients."

Bob Veres

Financial Advisor

"There is a lot to like about this app."

Joel Bruckenstein

Fintech expert


You get access to the Big Picture App for 10 days without paying a penny. We’ll send you a reminder three days before your trial expires. Cancel any time within 60 days and receive a full refund!

The Big Picture is an application for wealth and retirement planning. It allows financial advisors to back-test retirement portfolios over hundreds of historical periods, and answer questions like:

Based on history...
  • How likely am I to remain solvent?
  • How much can I sustainably spend?
  • Would altering the composition of my portfolio improve my odds?


The following eleven total-return indices are currently available with a “Premium” subscription. Each index begins in 1926 and is monthly in frequency. Data are updated quarterly via an automatic feed.

  • U.S. Total Market Stocks
  • 5-Year Government Bonds
  • U.S. LargeCap Stocks
  • 10-Year Government Bonds
  • U.S. MidCap Stocks
  • U.S. T-Bills
  • U.S. SmallCap Stocks
  • Global Bonds
  • U.S. MicroCap Stocks
  • Gold
  • International (ex. USA) Stocks


Yes, you can upload your logo within the app.

The Big Picture app is grounded in the methodology used by William Bengen in his seminal 1990s research (later replicated by the Trinity Study and others). Namely, it assumes constant inflation-adjusted distributions throughout retirement.

But, don’t retirees’ spending patterns evolve as they age? And, what if portfolio values rise or fall significantly after retirement begins?


No. For two reasons:

First, your clients’ names, ages, investment holdings, and other personal details constitute highly sensitive data. This information should be confined to software that offers bank level security. A data breach, such as this one from Redtail, could be ruinous to your clients’ financial lives—and to your advisory business. While it can be convenient to view client data across platforms, we believe that the risks outweigh the benefits.


Quite simply, reliable market data do not exist prior to 1926. Retirement plans built on the basis of figures that pre-date this point in history are, in our view, unsound.